Thanks everyone for your comments. Sorry for the long delay but I am finally able to reply after getting what I think is the whole story.
There is good news and bad news.
The good news is that my clutch is not completely gone like I thought it was. So it still has some life left but not much.
The bad news is that it is believed to be 75% gone, after just 135 hours of use, based on the travel of my clutch and the fact that there is very little adjustment left. However, for me and my limited use, that should last me another 5 years or more hopefully, now that I think I know how I got here.
So here's why everyone (an independent mechanic, several experienced farmers, and a dealer friend) thinks this happened again:
1. The flywheel and pressure plate were not replaced or resurfaced when the original clutch went out because the clutch was shredded and the dealer's mechanic at the time thought they "looked ok". In everyone's opinion, maybe they were but then again, maybe they weren't so no one knows if that contributed at all to this problem or not.
2. Not enough HP for what I was doing (front end loader work in the mud which had to get done that day). My fault completely. It did seem that the tractor was struggling a little at times but I thought my CK35 could do anything and was indestructible. I disagree that it was operational abuse of the clutch though because the tires never slipped for more than a split second. But I did run the tractor for 4 hours without stopping so everyone (myself included now) thinks that I put too much stress on the clutch and overheated it a little too much, which wore it down more than it should have so that was ultimately my mistake.
2. Also, even though I had the clutch and brakes adjusted by the dealer 50 hours ago, the actual time it had been since then was about 4 years ago. So both were out of adjustment which contributed to wearing a lot of the clutch up as well. My fault again. I should have checked their adjustments at least once a year.
3. It is also thought that the clutch had likely gotten stuck a little on the flywheel over most of the winters for the last 9 years from sitting outside and from non-use. I should have started the tractor up once a month and ran it around as has been suggested. My mistake once again and so I probably shouldn't even own a tractor.
So, even though I do not believe that there was any operational abuse of the clutch, there was definitely neglect of the tractor and yes, maybe there was a little abuse of the tractor overall because it was undersized for what I wanted it to do that day but I still used it anyway.
So moving forward, I will be more diligent in checking the adjustments of the clutch and brakes, I will start it up and drive it around once a month even during the winter, and if it seems to be struggling at any time, I will not push it anymore.
Then, if the clutch can last another 8 years or so, I'll get a new clutch (and FW and PP) put in it and then it should last until I die I would think.
Thanks again for letting me share my experiences and my frustrations. This is a really good and helpful forum for nubes like me so I'm sure I'll be back at some point in time.